ZIP code 32204

ZIP 32204 is a mid-size town in Duval County, Florida, with 8,421 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #727 of 1,013 ranked by population — larger than 28% of them. The median age here is 40.8 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 32204 earn a median of $54,462 a year, 30.7% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 23.2% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 32204 is valued at $342,700, 13% above the national figure, while median gross rent runs $1,132 a month, 19.5% below the national figure, or roughly $13,584 across a full year. A household on the local median income would put about 24.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 6.3×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 25% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 6.3× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 32204 is tabulated inside Duval County, Florida, one of 36 ZIP areas the Census publishes for that county and 1,013 across Florida. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 32204 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 32204 reports a median household income of $54,462, 22% below the $69,742 county median, and 22% below the $69,820 typical FL ZIP. Owner-occupied homes are valued at a median of $342,700, 33% above the county figure and 16% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,132 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 32204 carries 7.5% at the register, assembled from the Jacksonville jurisdiction stack: the Florida state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 32204 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 32204 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.